Call reports 2024
BCBANK, INC. — 2024
What BCBANK, INC. reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 217,427,000 | 220,128,000 | 222,430,000 | 225,617,000 |
| Total loans | 168,394,000 | 172,200,000 | 172,928,000 | 173,971,000 |
| Allowance for loan losses | 1,581,000 | 1,601,000 | 1,608,000 | 1,610,000 |
| Securities available for sale | 30,826,000 | 30,873,000 | 32,136,000 | 31,269,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,961,000 | 194,169,000 | 196,395,000 | 201,194,000 |
| Interest-bearing deposits | 155,447,000 | 158,739,000 | 161,037,000 | 162,580,000 |
| Noninterest-bearing deposits | 34,514,000 | 35,430,000 | 35,358,000 | 38,614,000 |
| Equity capital | 19,779,000 | 20,123,000 | 21,122,000 | 20,991,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,730,000 | 5,625,000 | 8,632,000 | 11,751,000 |
| Interest expense | 1,299,000 | 2,662,000 | 4,039,000 | 5,395,000 |
| Net interest income | 1,431,000 | 2,963,000 | 4,593,000 | 6,356,000 |
| Noninterest income | 269,000 | 546,000 | 849,000 | 1,158,000 |
| Noninterest expense | 1,491,000 | 2,880,000 | 4,417,000 | 5,913,000 |
| Provision for loan losses | 5,000 | 27,000 | 42,000 | 45,000 |
| Pretax income | 202,000 | 596,000 | 980,000 | 1,555,000 |
| Income tax | 25,000 | 95,000 | 159,000 | 242,000 |
| Net income | 177,000 | 501,000 | 821,000 | 1,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,266,000 | 22,590,000 | 22,909,000 | 23,402,000 |